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!Medical payments insurance
This policy provides for the immediate treatment of injuries caused by a car accident. You, your family members and other passengers in your vehicle are covered, regardless of who is at fault for the accident.
source: FPR
Depending on the specifics of the policy, medical payments coverage may also compensate for lost wages or services of a person injured in the car accident.
PIP, or personal injury protection, is similar to medical payments coverage, but usually provides broader coverage. Many PIP policies provide compensation for lost wages, funeral expenses, and pain and suffering.
Most states that require personals injury protection are "no fault" states, but Maryland, Delaware, and Oregon also do. Again, you can find out your state's auto insurance laws and minimums here.
Underinsured and Uninsured Motorist Insurance
Both of these types of insurance protect you against injury caused in an automobile accident where the at-fault driver's liability car insurance coverage is inadequate. Though they're often lumped together, they're really two distinct policies.
Uninsured motorist insurance is needed when the other driver has no liability coverage.
Underinsured motorist coverage pays for the cost of your injuries that exceed the other driver's coverage maximum.
Most states require neither type of coverage, but some require one or the other, and a few even require both. They're more often required in no fault states.
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Source: http://www.autoinsuranceindepth.com/
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